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Pravin Sharma is an experienced finance professional with a strong background in credit and risk management. Currently serving as Area Credit Manager at Adani Capital since July 2021, Pravin previously held the position of Branch Credit Manager at HDB Financial Services Ltd., where responsibilities included overseeing various loan products such as business, mortgage, car, and gold loans. Earlier experience includes roles as Assistant Portfolio Manager at Ess Kay Fincorp Limited, focusing on SME loans, and as Assistant Manager at Fullerton India Credit Company Ltd., managing credit and risk for mortgage and personal loan products. Pravin also worked as Senior Risk Officer at Kotak Mahindra Bank, handling risk compliance for multiple loan products. Beginning as a Risk Officer at Ess Kay Auto Finance Pvt Ltd., Pravin has developed comprehensive expertise across the finance sector. Pravin holds a Master of Arts from Kota University and is currently pursuing an MBA in Finance from Suresh Gyan Vihar University.